Victoria's Secret Angel Card Review: Attractive Perks for Secret's Admirers
Review
Updated
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Everyone's favorite intimate apparel retailer has its own branded credit card. Known as the Angel Card, it carries a set of perks when used to buy Victoria's Secret merchandise. And, as with many store credit cards, its worth depends on how much of a Victoria's Secret devotee you are. Let's discuss the specifics in this Victoria's Secret Angel Card review so you can learn whether it's right for you.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
| Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
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Rating image, 4.50 out of 5 stars.
4.50/5
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= Best
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Discover will match all the cash back you’ve earned at the end of your first year. | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 18.24% - 27.24% Variable APR |
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Rating image, 5.00 out of 5 stars.
5.00/5
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4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
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We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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$200 cash rewards Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. | 2% cash rewards Earn unlimited 2% cash rewards on purchases. |
Intro: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR, 12 months from account opening Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers Regular: 19.24%, 24.24%, or 29.24% Variable APR |
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Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
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25,000 points 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases | 1.5-3 points per dollar Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center. |
Intro: 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America. Purchases: 0% Intro APR for 15 billing cycles for purchases Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days Regular: 18.24% - 28.24% (Variable) |
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
This credit card is a good fit for: Frequent Victoria's Secret shoppers who want to save a little money on their lingerie purchases and don't plan to carry a balance.
For what's essentially a one-company, two-retailer product, the Victoria's Secret Angel Card packs some punch. Here are the main perks.
We at Motley Fool Money are fond of no annual fee credit cards. This card doesn't charge an annual fee, so as long as you pay off your balance in full every month, it shouldn't cost you a penny.
Frequent Victoria's Secret shoppers can quickly accumulate points using an Angel Card to buy merchandise. It earns credit card points for purchases made in the namesake store, plus sister brand PINK, and online shopping portal victoriassecret.com. The base rate is 1 point per $1 spent, but you get 3 points per $1 on bra purchases. For every 250 points you earn, you get a $10 reward. At the lowest end, that's the equivalent of 4% cash back, which is high.
Active cardholders get a "Perk of the Month" and a birthday gift. If you achieve Silver or Gold status by earning enough points in a year, you also get a half-birthday gift and an anniversary gift.
You get $15 off your first online purchase with the card. After you open the card, your discount offer arrives in your email.
This card gets you free shipping on orders of $50 or more. While free shipping on all orders would be better, this is a decent perk for a card with no annual fee. This only applies to orders shipped within the United States.
Read more: Best Sign-Up Bonus Credit Cards
While the Victoria's Secret Angel Card offers some generous perks for frequent shoppers, it also comes with some serious drawbacks.
It isn't unusual for store cards to have high APRs. This one is no exception. If you think you might carry a balance from time to time, this credit card APR isn't ideal.
Points expire 12 months after a purchase. Additionally, Angel Rewards gift certificates expire 90 days after they're issued. These are pretty major cons, considering how many of the best rewards credit cards offer points and benefits that never expire.
Read more: Best Store Credit Cards
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
The Victoria's Secret Angel Card is meant for people with a good credit score of at least 670. That gives you the best chance at getting approved for this card. That said, store credit cards are often a bit more lenient with approvals. If you have fair credit or a score slightly below 670, you might still qualify.
Learn more: Store Card vs. Traditional Credit Card: What’s the Difference
The Victoria's Secret Angel Card, while it's a beauty of a product inside the store, must compete with general-purpose rewards credit cards that generate points/cash back wherever they're used.
The bottom line is that the Victoria's Secret Angel Card is really only appropriate for people who buy from the retailer on at least a somewhat regular basis. The more frequently they do, the more savings and bonuses they'll earn. Everyone else should consider other products for their credit needs.
At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.
The credit limit for the Victoria's Secret Angel Card typically ranges from $250 to $2,500, although some cardholders have reported larger limits. Since this is a store credit card, credit limits tend to be on the low side.
You can use the Victoria's Secret Angel Card at:
You won't earn rewards points on Bath and Body Works purchases, however.
Yes, the Victoria's Secret Angel Card can build credit if you pay the bill on time. Card activity is reported to the three consumer credit bureaus, so it can help raise your credit score.
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